⭐️⭐️⭐️⭐️⭐️ Over $500 million in business loans facilitated
Private Lender in Sydney
When banks say no, we structure the deal.
Specialists in complex lending and strategic finance.
- Finance within 24 hours
- Loans of $250k to $10 Million
- Rates from 9.2% p.a
- 1-24 months terms
Private Finance for Commercial Loans in Sydney
When you need funding that moves at the speed of business, working with a private lender in Sydney gives you direct access to fast, flexible capital without the delays and rigid criteria of major banks.
Secured Lending is a non-bank lender based in Barangaroo, funding commercial borrowers across Greater Sydney — from the Eastern Suburbs to Western Sydney growth corridors, Inner West to Northern Beaches.
We specialise in commercial lending backed by Sydney real estate, with faster approvals and practical solutions that match the pace of Sydney’s competitive property market.
Why Work With a Private Lender in Sydney?
Banks take weeks. Their requirements are strict. Most commercial operators don’t have that luxury.
As a Sydney-based private lender, we offer:
- Same-day approvals — decisions in hours, not weeks
- Flexible credit criteria — we assess the property, not just financials
- Higher approval rates — we say yes when banks say no
- Loan amounts to $10 million backed by Sydney property equity
Our secured loans suit business owners with property equity but inconsistent cash flow, property developers in high-demand suburbs, borrowers with adverse credit, and interstate investors capitalising on Sydney’s commercial opportunities.
We structure loans as first mortgages, second mortgages, or caveat loans depending on urgency and asset position.
Case Studies & Success Stories
Fast, Flexible Private Lending — Decisions in Hours
Timing can make or break a deal in Sydney’s property market. Our process is direct, local, and built for speed.
Loan terms:
- Amounts: $250,000 to $10 million
- LVRs: Up to 75% on Sydney properties
- Terms: 1–24 months
- Interest rates: From 9.2%
- Repayments: Interest-only (paid in advance or capitalised)
- Settlements: As fast as 24–72 hours
We’re a Sydney non-bank lender that says yes to properties banks decline — including high-growth Western Sydney corridors, premium Eastern Suburbs assets, Inner West commercial properties, and emerging South-West development zones.
Direct access to decision-makers in Barangaroo. No call centres. No offshore assessment teams. Real-world valuation experience across all Sydney councils, with deep knowledge of local property values, zoning, and development potential.
We also work closely with brokers, accountants, and advisers across Greater Sydney. If you’re helping clients secure commercial finance in Sydney, we welcome the collaboration.
Our team is here to help
Our dedicated team is always ready to assist you with a fast, obligation-free loan assessment
Sydney's Fastest Private Lender
Same-Day Approvals
We're considered the fastest private lender in Sydney for secured commercial loans. While competitors take days to assess, we often deliver conditional approval within hours.
24–72 Hour Settlements
When you need funding fast for a property settlement, supplier payment, or business opportunity, we move. Many of our Sydney clients settle within 48 hours.
Sydney Market Expertise
We know Greater Sydney intimately — property hotspots, council nuances, infrastructure projects driving value, and emerging corridors. This knowledge informs faster, smarter lending decisions.
Transparent Pricing
No hidden fees. No surprise charges. Clear, upfront disclosure of rates, establishment costs, and exit conditions from day one.
Relationship-Driven
We're not a transaction factory. Many of our Sydney clients return for multiple deals because we deliver what we promise, when we promise it.
Broker-Friendly
We work with Sydney brokers, accountants, and financial advisers across Greater Sydney, providing fast responses, clear credit policies, and reliable settlement timeframes.
Local expertise across Greater Sydney
We know the Greater Sydney area exceptionally well — the nuances, opportunities, and unique characteristics of each suburb and business corridor.
Our Sydney private lending expertise extends across the entire metro region, and we've successfully facilitated finance for borrowers in suburbs including:
- Eastern Suburbs: Bondi, Bondi Junction, Rose Bay, Double Bay, Woollahra, Paddington, Coogee, Randwick, Vaucluse, Watsons Bay
- Inner West: Newtown, Marrickville, Leichhardt, Balmain, Rozelle, Annandale, Glebe, Petersham, Ashfield, Strathfield
- Lower North Shore: North Sydney, Mosman, Neutral Bay, Cremorne, Crows Nest, St Leonards, Kirribilli, Milsons Point
- Upper North Shore: Chatswood, Gordon, Lindfield, Killara, Turramurra, Pymble, Hornsby, Wahroonga
- Northern Beaches: Manly, Dee Why, Mona Vale, Avalon, Newport, Narrabeen, Collaroy, Freshwater
- Western Sydney: Parramatta, Penrith, Blacktown, Castle Hill, Rouse Hill, Richmond, Windsor, Emu Plains, St Marys
- South-West Sydney: Liverpool, Campbelltown, Camden, Leppington, Oran Park, Gregory Hills, Narellan
- Canterbury-Bankstown: Bankstown, Campsie, Canterbury, Lakemba, Punchbowl, Revesby
- Hills District: Baulkham Hills, Bella Vista, Castle Hill, Kellyville, Dural, Glenhaven
- Sutherland Shire: Cronulla, Miranda, Caringbah, Engadine, Sutherland
We understand Sydney's multicultural diversity, shifting demographics, infrastructure-driven growth zones (Metro Northwest, Western Sydney Airport corridor, Parramatta CBD expansion), and council-specific zoning opportunities across all 33 Local Government Areas.
Whether you're funding a development in Ryde, refinancing a commercial asset in Sydney CBD, or bridging a property transaction in Green Square, our local knowledge ensures fast, informed decisions.
What can private loans be used for?
Our Sydney private lending solutions support a wide range of commercial and property purposes:
- Working capital for businesses managing cash flow gaps
- Short-term business loans for time-critical opportunities
- Bridging loans for property transitions across Greater Sydney
- Property development in high-demand Sydney growth corridors (eg. Parramatta, Rouse Hill, Ryde, Campbelltown, Liverpool)
- Land banking in emerging Sydney development zones
- Purchasing commercial properties across Sydney CBD, North Sydney, Chatswood, and regional business hubs
- Building commercial premises in Sydney metro areas
- Business acquisitions for enterprises
- Equipment finance for Sydney commercial operators
- Business vehicle purchases for fleets
- Mezzanine loans for complex property structures
- Debt consolidation to streamline multiple business obligations
- Tax debt settlements for business owners
- Almost any legitimate commercial purpose or high growth opportunity backed by property
Loans secured against commercial property
Speed When Sydney Timing Matters
Traditional banks can take 4–8 weeks. In Sydney's fast-moving commercial market, that's often too slow. We approve and settle in days, not months.
Local Decision-Making Power
We're based in Barangaroo. We understand Sydney property values, council areas, zoning regulations, and market conditions firsthand — from Bondi to Blacktown, Manly to Macarthur.
Flexible Approval Criteria
Banks assess you. We assess the Sydney property. That means business owners with strong assets but complex financial situations get access to funding that banks decline.
Higher Loan-to-Value Ratios
We lend up to 75% LVR on Sydney commercial and residential properties, including properties banks won't touch due to location, condition, or borrower profile.
No Red Tape
Direct communication with decision-makers. No call centre queues, no offshore assessment teams, no 47-page application forms.
Equity Release on Sydney Property
Unlock the value in your residential or commercial assets without selling, refinancing through banks, or waiting months for approval.
Frequently Asked Questions
We provide conditional approval within 24 hours for straightforward deals. Settlement typically happens in 48–72 hours, though complex structures or multi-property securities can take 5–7 days. Speed depends on how quickly we can arrange valuation, conduct title searches, and prepare security documentation. For genuinely urgent situations, we've settled same-day when all parties are aligned.
Banks assess your serviceability — income, expenses, credit history. We assess the asset. If you have strong property equity but complex income structures, recent credit issues, or time pressure, we're often the only viable option. The trade-off is higher rates for significantly faster execution and flexible approval criteria.
Residential, commercial, industrial, and development sites. We'll consider most property types including those with challenges — unusual construction, rural holdings, properties needing work, or assets in secondary locations. The key is demonstrable equity and a clear exit strategy.
Yes. We focus on equity position and exit strategy, not credit history. Many of our clients have ATO debt, prior defaults, or bankruptcy discharge. If you have sufficient equity and a credible repayment plan, we can usually structure something.
Absolutely. Most of our commercial clients operate through corporate or trust structures. We're experienced with complex security arrangements including guarantees, cross-collateralisation, and SMSF lending.
Property address and estimated value, loan amount and purpose, details of existing mortgages, basic entity/borrower information, and your exit strategy. Unlike banks, we don't need extensive financial statements, BAS, or tax returns for most secured loans. We can work from a single-page summary.
Yes, refinancing from another private lender is straightforward. If you're facing maturity, rate pressure, or extension issues, we can typically provide a take-out facility within 48 hours. This is common when borrowers need more time to execute their original exit plan.
We lend up to 75% LVR as standard. For exceptional assets — premium residential, high-quality commercial, or development sites with strong pre-sales — we can sometimes stretch to 80%. Conversely, higher-risk profiles or secondary assets might be capped at 65%.
We lend up to 75% LVR as standard. For exceptional assets — premium residential, high-quality commercial, or development sites with strong pre-sales — we can sometimes stretch to 80%. Conversely, higher-risk profiles or secondary assets might be capped at 65%.